5195 Ruth Dr, Hickory, NC 28602 Property Records

Catawba County property record for 5195 Ruth Dr, Hickory, NC 28602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 2005
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$7,500 (Mar 2005)
Tax Bill	$868 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2791-20-81-3031`

Property Details

APN / Parcel Number

Primary APN	`2791-20-81-3031`
Alternative APN	`0605156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	2,520 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	24,829 sqft (0.57 acres)
Porch	Porch
Porch Area	128 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5195 RUTH DR
City	HICKORY
State	NC
Zip	28602-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	ACCT# 159697889 143%X77% +10% PX; F/S $129,900 1/10
Jurisdiction	CATAWBA NC
Township / Civil Division	HICKORY
Census Block Group	4
Census Block	4005
Census Tract	11102

Owner

5195 Ruth Dr is owned by two individuals who bought it in March 2005.

Source: Catawba County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5179 RUTH DR, HICKORY, NC 28602-9450
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2005 · Amount on File
Deed Sale	Mar 2, 2005 · Amount on File
Deed Document Number	20055937
Deed Book / Page	2646 / 343
Record Updated	Sep 20, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Apr 5, 2019
Property Address	5195 RUTH DR, HICKORY, NC 28602-9450
Document Number	0035000563
Book / Page	003500 / 000563
Instrument Date	Apr 5, 2019
Instrument	5603
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1730 WOODBEND LN CONOVER NC 286139375, CONOVER, NC 28613-9375

Mortgage

Document Number	35000566
Date	Apr 5, 2019
Book Page	003500/000566
Instrument	5604

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5195 Ruth Dr was $868, down 17.6% from the year before.

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Catawba County
Unified School District	Catawba County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,900 (-) Land $12,200 Building $205,700
2025	$868.00 (-17.65%)	$217,900 Land $12,200 Building $205,700
2024	$1,054.00 (+2.63%)
2023	$1,027.00	$217,900 Land $12,200 Building $205,700	$217,900 Land $12,200 Building $205,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5195 Ruth Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective September 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2005–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jun 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5195 Ruth Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HICKORY serves 71,393 people · EPA ID NC0118010
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000